DSE : MIDASFIN
MIDAS Financing PLC. — Financial statements
Short-Term Business Credit Institutions, Except Agricultural · Bangladesh
Last price 4.7 BDT (At close: Oct 29, 2026) · Market cap 676.29M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 342.73M | 353.11M | 543.61M | 1.29B | 944.55M | 1.28B |
| Total Interest Expense | 926.28M | 827.59M | 711.63M | 770.02M | 670.67M | 743.52M |
| Net Interest Income | -583.55M | -474.49M | -168.02M | 518.46M | 273.88M | 533.96M |
| Commissions and Fees | 1.10M | |||||
| Other Revenue | 50.37M | 917.49K | 864.25K | 2.25M | 5.98M | 5.70M |
| Revenue Before Loan Losses | -533.19M | -473.57M | -167.15M | 520.70M | 279.87M | 540.76M |
| Provision for Loan Losses | 2.76B | 2.62B | 10.43M | 667.55M | 23.56M | 311.31M |
| Revenue | -3.30B | -3.09B | -177.59M | -146.84M | 256.30M | 229.44M |
| Salaries & Employee Benefits | 150.07M | 154.03M | 157.33M | 153.68M | 144.13M | 129.94M |
| Cost of Services Provided | 35.65M | 34.87M | 33.96M | 44.03M | 40.89M | 27.96M |
| Other Operating Expenses | 32.16M | -19.46M | -60.79M | -22.65M | -53.08M | -62.46M |
| Total Operating Expenses | 238.18M | 189.05M | 156.44M | 199.25M | 151.56M | 117.22M |
| Operating Income | -3.53B | -3.28B | -334.03M | -346.10M | 104.74M | 112.22M |
| EBT Excluding Unusual Items | -3.58B | -3.33B | -315.26M | -554.25M | 73.39M | 94.35M |
| Gain (Loss) on Sale of Investments | 19.14M | -13.40M | 12.94M | -15.21M | -52.90M | 5.68M |
| Pretax Income | -3.56B | -3.34B | -302.31M | -569.45M | 24.53M | 100.01M |
| Income Tax Expense | 25.33M | 24.11M | 19.64M | 101.79M | 15.93M | 15.58M |
| Earnings From Continuing Ops. | -3.59B | -3.37B | -321.95M | -671.24M | 8.60M | 84.43M |
| Minority Interest in Earnings | 4.97K | 4.66K | 418.00 | 940.00 | 26.00 | -180.00 |
| Net Income | -3.59B | -3.37B | -321.95M | -671.24M | 8.60M | 84.43M |
| Net Income to Common | -3.59B | -3.37B | -321.95M | -671.24M | 8.60M | 84.43M |
| Shares Outstanding (Basic) | 143.91M | 143.89M | 143.89M | 143.89M | 143.89M | 143.89M |
| Shares Outstanding (Diluted) | 143.91M | 143.89M | 143.89M | 143.89M | 143.89M | 143.89M |
| EPS (Basic) | -24.95 | -23.40 | -2.24 | -4.66 | 0.06 | 0.59 |
| EPS (Diluted) | -24.95 | -23.40 | -2.24 | -4.66 | 0.06 | 0.59 |
| Free Cash Flow | -889.90M | 4.07M | 304.63M | 468.72M | -570.24M | 186.39M |
| Free Cash Flow Per Share | -6.18 | 0.03 | 2.12 | 3.26 | -3.96 | 1.29 |
| Dividend Per Share | 0.15 | 0.10 | ||||
| Operating Margin | 40.87% | 48.91% | ||||
| Profit Margin | 3.36% | 36.80% | ||||
| Free Cash Flow Margin | -222.49% | 81.23% | ||||
| Effective Tax Rate | 64.94% | 15.58% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 972.80M | 1.12B | 1.22B | 868.41M | 696.62M | 656.97M |
| Long-Term Investments | 100.94M | 138.57M | 154.51M | 333.85M | 331.72M | 330.07M |
| Loans & Lease Receivables | 7.93B | 7.90B | 8.93B | 9.57B | 9.95B | 9.43B |
| Other Receivables | 169.80M | 156.89M | 156.68M | 188.76M | 188.19M | |
| Property, Plant & Equipment | 137.95M | 140.10M | 142.26M | 146.47M | 153.94M | 176.17M |
| Other Intangible Assets | 3.82M | 5.34M | 11.19M | 15.78M | 358.14K | |
| Other Current Assets | 213.66M | 202.15M | 191.32M | 172.32M | 208.80M | |
| Long-Term Deferred Tax Assets | 3.22M | 1.74M | ||||
| Other Long-Term Assets | 887.12M | 482.37M | 483.97M | 484.93M | 483.11M | 484.58M |
| Total Assets | 10.03B | 10.18B | 11.30B | 11.76B | 11.99B | 11.47B |
| Interest Bearing Deposits | 4.65B | 4.86B | 5.00B | 5.32B | 5.78B | 5.95B |
| Total Deposits | 4.65B | 4.86B | 5.00B | 5.32B | 5.78B | 5.95B |
| Accrued Expenses | 299.92M | 217.78M | 234.43M | 205.35M | 245.86M | |
| Short-Term Debt | 764.37M | 783.74M | 654.16M | 694.60M | 80.00M | |
| Current Portion of Long-Term Debt | 1.83B | 857.68M | ||||
| Long-Term Debt | 2.52B | 1.56B | 1.65B | 1.73B | 137.28M | 1.11B |
| Long-Term Leases | 10.67M | 8.06M | 7.81M | 11.43M | 14.36M | |
| Long-Term Unearned Revenue | 15.81M | 18.79M | 16.94M | 26.73M | 16.63M | |
| Current Income Taxes Payable | 353.84M | 333.84M | 313.84M | 211.59M | 196.67M | |
| Other Current Liabilities | 960.96K | 1.19M | 39.24M | 13.50M | 10.62M | |
| Long-Term Deferred Tax Liabilities | 2.77M | 8.19M | 9.54M | |||
| Other Long-Term Liabilities | 6.45B | 4.99B | 2.61B | 2.47B | 1.41B | 1.31B |
| Total Liabilities | 13.62B | 12.86B | 10.62B | 10.79B | 10.32B | 9.80B |
| Common Stock | 1.44B | 1.44B | 1.44B | 1.44B | 1.44B | 1.42B |
| Retained Earnings | -5.03B | -4.12B | -757.76M | -462.61M | 230.21M | 250.10M |
| Comprehensive Income & Other | 1.00 | 1.00 | ||||
| Total Common Equity | -3.59B | -2.69B | 681.16M | 976.31M | 1.67B | 1.67B |
| Minority Interest | -5.21K | -3.97K | 693.00 | 1.11K | 2.05K | 2.08K |
| Shareholders' Equity | -3.59B | -2.69B | 681.16M | 976.31M | 1.67B | 1.67B |
| Total Liabilities & Equity | 10.03B | 10.18B | 11.30B | 11.76B | 11.99B | 11.47B |
| Total Debt | 2.52B | 2.34B | 2.44B | 2.39B | 2.67B | 2.07B |
| Net Cash (Debt) | -1.55B | -1.22B | -1.22B | -1.52B | -1.97B | -1.41B |
| Net Cash Per Share | -10.78 | -8.45 | -8.46 | -10.57 | -13.71 | -9.79 |
| Filing Date Shares Outstanding | 154.59M | 143.89M | 143.89M | 143.89M | 143.89M | 143.89M |
| Total Common Shares Outstanding | 154.59M | 143.89M | 143.89M | 143.89M | 143.89M | 143.89M |
| Working Capital | 4.26B | 3.13B | 4.18B | 4.22B | 2.27B | 3.14B |
| Book Value Per Share | -23.21 | -18.66 | 4.73 | 6.79 | 11.60 | 11.64 |
| Tangible Book Value | -3.59B | -2.69B | 675.82M | 965.12M | 1.65B | 1.67B |
| Tangible Book Value Per Share | -23.21 | -18.69 | 4.70 | 6.71 | 11.49 | 11.64 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -2.69B | -3.37B | -321.95M | -671.24M | 8.60M | 84.43M |
| Depreciation & Amortization | 9.96M | 17.99M | 25.93M | 24.20M | 19.62M | 19.81M |
| Other Amortization | 1.21M | 1.62M | ||||
| Provision for Credit Losses | 2.63B | 2.63B | -2.51M | 682.75M | 76.46M | 305.64M |
| Change in Trading Asset Securities | 15.94M | 15.94M | 179.34M | -2.13M | -1.66M | 42.61M |
| Change in Income Taxes | -19.25M | -19.25M | -18.59M | -21.30M | -28.59M | -34.90M |
| Change in Other Net Operating Assets | 666.07M | 1.49B | 522.27M | 214.55M | -586.50M | -5.91M |
| Other Operating Activities | -1.51B | -764.73M | -77.20M | 245.57M | -45.37M | -223.35M |
| Operating Cash Flow | -889.54M | 4.37M | 307.30M | 472.41M | -553.28M | 188.34M |
| Capital Expenditures | -355.43K | -299.81K | -2.67M | -3.69M | -16.96M | -1.96M |
| Sale of Property, Plant & Equipment | 110.00K | 110.00K | 110.00K | 110.00K | 17.16M | 40.90K |
| Investing Cash Flow | 30.11M | -189.81K | -2.56M | -3.58M | 200.85K | -1.92M |
| Long-Term Debt Issued | 47.97M | 606.97M | 26.58M | |||
| Total Debt Issued | 196.37M | 47.97M | 606.97M | 26.58M | ||
| Long-Term Debt Repaid | -102.27M | -275.45M | ||||
| Net Debt Issued (Repaid) | 199.77M | -102.27M | 47.97M | -275.45M | 606.97M | 26.58M |
| Common Dividends Paid | -21.58M | -14.25M | -34.75M | |||
| Financing Cash Flow | 199.77M | -102.27M | 47.97M | -297.04M | 592.72M | -8.17M |
| Net Cash Flow | -659.67M | -98.09M | 352.70M | 171.79M | 39.65M | 178.26M |
| Free Cash Flow | -889.90M | 4.07M | 304.63M | 468.72M | -570.24M | 186.39M |
| Free Cash Flow Margin | -222.49% | 81.23% | ||||
| Free Cash Flow Per Share | -6.18 | 0.03 | 2.12 | 3.26 | -3.96 | 1.29 |
| Cash Interest Paid | 149.40M | 740.75M | 723.65M | 733.25M | 706.41M | 970.70M |
| Cash Income Tax Paid | 5.18M | 19.25M | 18.59M | 21.30M | 28.59M | 34.90M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 676.29M | 633.13M | 1.17B | 1.55B | 1.86B | 2.54B |
| PE Ratio | 215.82 | 30.04 | ||||
| PS Ratio | -0.20 | -6.56 | -10.58 | 7.24 | 11.05 | |
| PB Ratio | -0.24 | 1.71 | 1.59 | 1.11 | 1.51 | |
| P/FCF Ratio | 155.60 | 3.83 | 3.32 | 13.61 | ||
| P/OCF Ratio | 144.92 | 3.79 | 3.29 | 13.46 | ||
| Debt / Equity Ratio | -0.70 | -0.87 | 3.58 | 2.45 | 1.60 | 1.23 |
| Debt / FCF Ratio | 574.74 | 8.00 | 5.10 | 11.08 | ||
| Net Debt / Equity Ratio | -0.43 | -0.45 | 1.79 | 1.56 | 1.18 | 0.84 |
| Net Debt / FCF Ratio | -1.74 | 298.74 | 4.00 | 3.25 | -3.46 | 7.55 |
| Quick Ratio | 1.92 | 1.47 | 1.63 | 1.61 | 1.24 | 1.40 |
| Current Ratio | 1.92 | 1.50 | 1.66 | 1.64 | 1.26 | 1.43 |
| Asset Turnover | 0.02 | 0.02 | ||||
| Return on Equity (ROE) | -38.85% | -50.75% | 0.51% | 5.12% | ||
| Return on Assets (ROA) | -34.41% | -31.36% | -2.79% | -5.65% | 0.07% | 0.74% |
| Return on Invested Capital (ROIC) | -10.30% | -8.98% | 0.91% | 2.56% | ||
| Earnings Yield | -530.77% | -531.76% | -27.62% | -43.19% | 0.46% | 3.33% |
| FCF Yield | -131.58% | 0.64% | 26.14% | 30.16% | -30.72% | 7.35% |
| Dividend Yield | 1.16% | 0.56% | ||||
| Payout Ratio | 165.65% | 41.16% | ||||
| Total Shareholder Return | -0.01% | 1.16% | 0.56% |